American Trust and Savings Bank
Lowden, IA
IDRSSD: 675341
Total Assets
$30.95M
Latest filing
Total Deposits
$26.07M
Latest filing
Net Interest Margin
1.95%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Trust and Savings Bank
309 Mckinley Ave
Lowden, IA 52255
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/01/1913FDIC Certificate 6473
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| American Trust and Savings Bank (Main) | 309 Mckinley Ave | Lowden, IA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52255 |
| State and County Number | 19031 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.atsb-lowden.com |
| Data Updated | 01/30/2026 |
| CERT | 10120 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $30.95M |
| Total Deposits | $26.07M |
| Total Liabilities | $27.23M |
| Total Equity Capital | $3.72M |
| Net Income | $-206,000 |
| Net Loans and Leases | $5.87M |
| Assets Per Employee ($Millions) | $7.74M |
| Bank Premises and Fixed Assets | $82.00k |
| Cash and Balances due from Depository Institutions | $3.07M |
| Deposits Held in Domestic Offices | $26.07M |
Key Performance Ratios
| Return on Assets (ROA) | -2.69% |
| Return on Equity (ROE) | -21.96% |
| Net Interest Margin | 1.95% |
| Efficiency Ratio | 235.48% |
| Tier 1 Risk-Based Capital Ratio | 39.722% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.016% |
| Earning Assets to total Assets | 94.89% |
Income and Expense
| Total Interest Income | $225.00k |
| Total Noninterest Income | $14.00k |
| Total Interest Expense | $84.00k |
| Total Noninterest Expense | $365.00k |
| Net Interest Income | $141.00k |
| Pre-tax Net Operating Income | $-210,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.73M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.16M |
| Total Liabilities and Capital | $30.95M |
Securities
| Securities | $19.31M |
| Available-for-sale debt securities | $19.31M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Trust and Savings Bank?
$30.95M as of the latest filing.
How much are American Trust and Savings Bank's total deposits?
$26.07M in total deposits.
Where is American Trust and Savings Bank located?
Lowden, IA.
What is the Net Interest Margin?
1.95%.
How many domestic offices does it operate?
1.
When was it established?
10/01/1913.
What is the Return on Assets (ROA)?
-2.69%.
How much are total loans and leases?
$5.87M (latest filing).
What is the total interest income (latest filing)?
$225.00k.